Stonegate Realtor Book

REALTOR ® 

KIT

WHAT YOU’LL FIND ENCLOSED IN YOUR REALTOR ® 

SECTION 1 – Welcome 

SECTION 2 – Products Available through HIP 

SECTION 3 – Working with Your HIP Team 

SECTION 4 – Checklist for Success 

SECTION 5 – Who’s Who of Stonegate’s HIP Team 

table of contents 

KIT 

get HIP with Stonegate Mortgage stonegatemtg.com/hip 855 396 0228 1

WELCOME TO STONEGATE MORTGAGE’S HOME IMPROVEMENT 

PROGRAM – ALSO KNOWN AS HIP! 

We’ve developed a Realtor HIP Kit specifically designed to help you better understand HIP financing, the 

benefits it can bring to you and your client, and what it takes to successfully close a HIP loan. Having a clear, 

working knowledge of what can be done with HIP mortgage solutions, and a solid understanding of the steps 

necessary to get the loan closed, will put you ahead of your competition and enable you to close more deals. 

No headaches. No drama. Just happy homeowners! 

This HIP Kit is an easy to use resource that will help you become familiar with Stonegate’s Home Improvement 

Program and determine which HIP loan is right for your client, including: 

• Products Available through HIP (highlighting eligible repairs) 

• Working With Your HIP Team 

• A Checklist for Success 

• Who’s Who of HIP 

Why are HIP loans so important? Aging housing stock, a high percentage of REO properties, many of which have 

been vandalized or brutalized by the weather, and an aging population that typically defers the maintenance on 

their home are just a few of the reasons why you need to understand the power of the loan products available 

through HIP and when they are the best financing option for homes needing a little extra TLC. 

HIP offers buyers a trusted mortgage option that allows them to take advantage of the below-market prices on 

many of the houses on the market today. HIP loans permit borrowers to finance both the purchase price plus any 

required repairs, or to upgrade, modernize or enhance their chosen property. This enables buyers to move into 

their newly purchased home with their chosen improvements in place! 

There are so many benefits to understanding Stonegate Mortgage’s Home Improvement Program (HIP) and we 

hope you find the information in this kit useful. 

Interested in learning more about HIP? Would you like to meet with a HIP Team Member, or do you have a buyer 

who needs our help? Get HIP! Contact us at (855) 396-0228 or hipbid@stonegatemtg.com. 

Sincerely, 

HIP Department of Stonegate Mortgage 

easy. affordable. smart. get HIP! 


PRODUCTS AVAILABLE THROUGH HIP 

Presenting the HIP option to prospective buyers creates a win-win 

for everyone! You SELL MORE HOMES and buyers can Make a Home 

Their Own. In most cases, homeowners will even gain move-in equity! 

But, HIP isn’t just for buyers. Sellers may also take advantage of the 

loans available through HIP. 

Do you have sellers who want to move, but lack the equity in their 

home to sell and break even? How about stubborn sellers who refuse to 

reduce the sales price of their home, even though you know it’s overpriced? 

Stonegate’s HIP Department can help you find the perfect loan 

for these sellers, making improvements an attractive option for them 

and helping them increase the value of their home. This, in turn, may 

enable them to list their home at a higher asking price or expedite 

their sale. 

When offering this option to a seller, you do want to consider a couple 

of outcomes. It is possible that a seller may decide not to list their 

home for sale after improvements have been made. Perhaps improving 

their home would serve the same purpose as purchasing a new home. 

It is also possible for market conditions to shift between the time they 

renovate their home and the time they list it for sale. Use caution when 

exercising HIP as an option for sellers, so as not to encourage them to 

over-improve their home in comparison with like homes in their area or 

to invest more than they can reasonably expect to see returned on their 

investment. When used smartly, HIP can be a great option for sellers. 

But, when used without caution, it may hinder their goals. 

In just a moment, we’ll review the different loan programs available to 

both your buyers and sellers through HIP. 

your next opportunity 

FORECLOSURE REHAB 

Consider the following example, 

an actual transaction closed by 

Stonegate’s HIP Department. 

In January of 2012, our home buyer 

purchased a foreclosed home that 

was originally on the market for 

$111,000. An offer of $100,000 

was accepted and the sale closed 

after 117 days on the market. 

Sales Price $100,000 

Renovation cost $37,548 

Total of Purchase/Rehab 

Costs 

$137,548 

After improved value $224,000 

% Equity Gained 39% 

In this case, our homeowner invested 

$37,548 in repairs and gained 

$86,452, or 39%, built-in equity. 

You can be sure this homeowner is 

telling all of his friends about the 

great deal he got on his new home! 


A LOOK AT WHAT HIP CAN DO FOR YOU 

Let’s illustrate what HIP can do for a Listing Agent: 

• Increase sales prices, resulting in growth of sales commissions 

• Reduce overall days to sell (DOM) 

Consider an example of how HIP can help a Listing Agent facing the 

daunting task of listing a home that isn’t market-ready. Again, this is 

an actual transaction closed by Stonegate’s HIP Department. In this 

case, the seller opted to list the home in its current condition, and the 

Listing Agent cited that the home was “perfect for investor/rehab or 

a buyer with a touch for remodeling and landscaping.” The home was 

listed on the market for 50 days at $130,000, temporarily removed 

from the market and re-listed 11 days later at $128,000. It sold for 

$126,500 after 74 DOM. 

Sold ‘As-Is’ Sold after 

rehab 

Difference 

Sales Price $126,500 $153,000 $26,500 

After improved value n/a $153,000 

Existing debt $ - $ - 

Renovation cost $ - $9,614 

Realtor commission $7,590 $9,180 $1,590 

Seller concessions $2,800 $2,800 

Closing costs* $1,176 $3,000 

Misc. (Property taxes, 

etc.) 

$92 $92 

Seller’s profit $114,842 $128,314 $13,472 

Our buyer benefitted the most in this transaction, gaining built-in 

equity that the seller left on the table. 

Now that we’ve shown you examples of how HIP can benefit both you 

and your clients, let’s look at the different loan programs available and 

discuss the types of improvements that can be made. 

how it works for you 

The home was in fair condition, with 

minimal repairs required (per the 

appraisal). After installing a new 

high efficiency indoor comfort system 

and replacing some carpet, our 

home buyer invested only $9,614 

using his new HIP loan. The home, 

in its subject-to condition, appraised 

for $153,000. In many instances, 

home buyers are wary of purchasing 

homes requiring repairs because they 

don’t know how much it will cost to 

make those repairs. As you can see, 

sometimes a small investment can 

go a long way. Imagine if this seller 

had chosen to make repairs prior to 

listing the home. This chart on the 

left shows how this transaction would 

have looked a lot different. 

______________________________ 

*Closing costs on the ‘Sold after 

rehab’ option have been modified 

to indicate two sets of closing costs 

(i.e. refinance, then sale). 


LOANS AVAILABLE THROUGH HIP 

Streamline 203(k) 

One HIP loan option is an FHA 203(k) Streamline mortgage. The 

advantage of an FHA 203(k) Streamline is that it saves you time 

and money. This loan can be used for homes requiring non-structural 

repairs that total less than $35,000 including contingency and 

escrow fees. There is no minimum required on the amount of repairs 

to be completed. 

Some examples of eligible repairs include: 

• Repair/replacement of roof, gutters, and downspouts 

• Repair/replacement/upgrade of existing HVAC systems 

• Repair/replacement/upgrade of plumbing and electrical systems 

• Repair/replacement of flooring 

• Minor remodeling, such as in the kitchen, which does not 

involve structural repairs 

• Exterior/interior painting, including lead-based paint stabilization 

or abatement of lead-based paint hazards 

• Weatherization, including storm windows and doors, insulation, 

weather stripping, etc. 

• Repair/replacement/upgrade of appliances (may include 

free-standing ranges, refrigerators, 

washer/dryers/dishwashers and microwaves) 

• Improvements for accessibility for persons with disabilities 

• Repair/replace/add exterior decks, patios and porches 

• Basement finishing/remodeling/waterproofing (not requiring 

structural repairs) 

• Window and door replacements and exterior wall residing 

• Septic and/or well repair or replacement 

• Fencing 

know your options 

BEFORE & AFTER PHOTOS 



Streamline 203(k) (continued) 

Some examples of ineligible repairs include*: 

• Major rehabilitation or major remodeling, such as relocation 

of a load-bearing wall 

• New construction, including room addition 

• Repairs of structural damage 

• Repairs requiring detailed drawings or architectural exhibits 

• Any rehabilitation activities that require more than two 

payments per specialized contractor 

• Landscaping or similar site amenity improvements 

• Any repair or improvement requiring a work schedule longer 

than 6 months 

• Work items that would necessitate a consultant to develop 

a Work Write-Up 

• Work that would cause the homeowner to be displaced 

from the property for more than 30 days during the time 

of rehabilitation 

• Self-help home improvements 

HUD Consultants, required on Full FHA 203(k) loans, are not required 

on the Streamline 203(k), resulting in lower costs for you. No general 

contractors are required, but all work must be performed by a licensed 

and bonded contractor as required by local and/or state laws. Owner/ 

General Contractor may be approved in some cases. 

Payments are distributed to contractors after loan closing, with a 

maximum of two draws. Final payment is made only after repairs 

have been satisfactorily completed and appropriate documentation is 

provided. 

All FHA loan guidelines apply (i.e. credit criteria, required investment, 

property standards). Please consult your Mortgage Advisor for more 

information or pre-approval. 

* Repairs listed are not allowable on the Streamline option, but are 

allowable on a Full 203(k) mortgage. 





FHA 203(k) (i.e. Full K or Consultant K) 

Another HIP loan option is a regular FHA 203(k) mortgage. The 

advantage of an FHA 203(k) loan is that it allows you the flexibility to 

finance larger home repairs in a cost-effective manner. This loan can 

be used for a multitude of home repairs, regardless of whether or not 

structural repairs are needed or desired, as long as the repairs exceed 

the minimum of $5,000. 

Some examples of eligible repairs include (not an all-inclusive list): 

• Any repair allowable on an FHA 203(k) Streamline, plus: 

• Elimination of health and safety issues 

• Energy conservation improvements 

• Major rehabilitation or major remodeling, such as relocation 

of a load-bearing wall 

• New construction, including room addition 

• Repairs of structural damage 

• Repairs requiring detailed drawings or architectural exhibits 

• Conversion of a single-unit property to a 2,3, or 4 unit 

dwelling, or vice versa 

• Any rehabilitation activities that require more than two 

payments per specialized contractor 

(Maximum 5 draws. 1-4 with 10% holdback) 

• Landscaping or similar site amenity improvements 

• Any repair or improvement requiring a work schedule longer 

than 6 months 

• Work items that would necessitate a consultant to develop 

a Work Write-Up 

• Work that would cause the homeowner to be displaced 

from the property for more than 30 days during the time 

of rehabilitation 





FHA 203(k) (i.e. Full K or Consultant K) (continued) 

Some examples of ineligible repairs include: 

• Luxury items, such as gazebos, tennis courts, spas, etc. 

• Pool repair exceeding $1,500 

An approved HUD Consultant is required on this type of loan to determine 

feasibility of the project, provide a draw schedule and estimate 

costs involved. Your HUD Consultant will also be responsible for managing 

the draw process and approving project completion. 

A general contractor is not required, but highly recommended. All work 

must be performed by licensed and bonded contractors as required 

by local and/or state laws, with no more than 3 discreet contractors. 

Owner/General Contractor may be approved in some cases, but only 

when the homeowner is able to demonstrate the expertise to function 

as a General Contractor. 

Payments are distributed to contractors after loan closing, with a maximum 

of five draws. Final payment is made only after repairs have been 

satisfactorily completed and appropriate documentation is provided. 

All FHA loan guidelines apply (i.e., credit criteria, required investment, 

property standards). Please consult your HIP Mortgage Advisor for 

more information. 

MEET A FEW OF OUR FANS 

“Stonegate went above and beyond.” 

- Brent S. - HIP client 

“ I’d come back to Stonegate, because it was 

such an easy process.” 

- Kyle D. - HIP client 

“For me, Stonegate was the right decision.” 

- Tammy H. - HIP client 

“ I wanted my dream home and 

Stonegate made 

it a reality for me.” 

- Melinda H. - HIP client 





Fannie Mae HomeStyle ® Renovation 


The Fannie Mae HomeStyle ® Renovation Loan is a conventional mortgage that allows you to purchase a new 

home or pay off your existing mortgage and finance substantial home repairs or improvements in a single 

mortgage up to $417,000. This loan follows all conventional underwriting guidelines and can be used for 

primary residences, second homes and investment properties (additional restrictions may apply). 

There are no restrictions or limitations on the repairs or improvements you can make to your property; as long as 

the value of the improvements is supported by the after improved value appraisal and the cost of the renovation 

is within product guidelines. A HomeStyle ® Renovation Loan is also one of the best options in instances where a 

new home is unfinished because a builder went out of business. 

Some examples of eligible repairs include (not an all-inclusive list): 

• Any and all improvements that are fixed to the property and add value 

• Structural improvements, such as room additions 

• Finished Basements 

• Deck or additional garage space 

• Landscaping 

• Fencing 

• Driveways 

• Interior updates, such as gourmet kitchen, theater, game room 

Some examples of ineligible repairs include: 

• Repairs to properties such as log homes, condotels or manufactured homes 

• Projects in which the funds for renovation (including contingency reserve, soft costs, and payment 

reserves) would exceed 50% of the home’s “as completed” value 

A lender-assigned Project Inspector is required on this type of loan to complete a feasibility study, and to 

manage the inspections and draws. All work must be performed by licensed and bonded contractors as required 

by local and/or state laws, with no more than 3 discreet contractors. As a homeowner, you may be able to perform 

the repairs, but only if you are a licensed general contractor. Under certain circumstances the homeowner 

may act as a general contractor but only with lender approval. 



Fannie Mae HomeStyle ® Renovation (continued) 


Payments are made to contractors after loan closing and upon the completion of predetermined project phases, 

with a maximum of five draws. Final payment is made only after repairs have been satisfactorily completed and 

appropriate documentation is provided. 

All conventional loan guidelines apply (i.e., credit criteria, required investment, property standards). Please 

consult your Mortgage Advisor for more information. 

Please see the chart below to compare the three different types of HIP loans. 

HIP Mortgage Type Streamline 203(k) FHA 203(k) HomeStyle ® 

Minimum Cost of Repairs No minimum $5,000 No minimum 

Allowed Repairs Any non-structural repairs or 

improvements which can be 

completed for less than $31,000 

and which are supported by after 

improved appraisal value 

Any repairs supported by after 

improved value appraisal 

No restriction on repairs or improvements 

which are attached 

to the property and which are 

supported by after improved 

appraisal value 

Renovation Amount $0 to $31,000 $5,000 to FHA county lending limit $0 to $417,000 

Number of Contractors 1 to 3 trades persons or 1 general 

contractor 

1 to 3 trades persons or 1 general 

contractor 

1 to 3 trades persons or 1 

general contractor 

Amortization Terms 15 or 30 year fixed rate 15 or 30 year fixed rate 15 or 30 year fixed rate 

Transaction Types Purchase or refinance Purchase or refinance Purchase or refinance 

Occupancy Owner occupied only Owner occupied only Owner occupied or investor 

(maximum of 70% LTV) 

Purchase Down Payment Requirement 

3.5% 3.5% 5% 

Refinance Loan to Value 97.75% 97.75% 95% 

Required Contingency Reserve 10% minimum – 20% maximum 10% minimum – 20% maximum 10% minimum – 20% 

maximum 

Number of Contractor Draws 2 Maximum 5 Maximum 5 

Contractor Payment Schedule 50% of complete bid amount after 

loan closes and escrow funds 

May allow 1 limited, special order 

material draw, maximum 5 draws 

There are no funds released 

prior to completion and 

inspection of any of the project 

phases 

We can help your home buyer or seller determine which loan is right for them, but it helps to have a general 

overview of our loan types so you know how to present HIP as an option. 

Now we have a deal! Let’s discuss how you will work with your HIP Team. 


WORKING WITH YOUR HIP TEAM 

There are a few common misconceptions about HIP 

loans. Here are the top 3: 

#1 – HIP loans are hard (a lot of work) 

#2 – HIP loans are too expensive 

#3 – HIP loans take forever to close! 

Myth #1– HIP loans are hard (a lot of work) 

Stonegate has redefined the process of Home Improvement 

loans. How? We have a dedicated department 

that works solely on these loans. We are your HIP 

experts! By making the entire process more predictable 

and streamlined, we are able to support you with 

complete customer service which means less hassle 

for you and your buyers. Most importantly, this assures 

you of a timely and well-managed closing. 

Stonegate’s HIP Department provides you with a dedicated 

Project Manager, navigating you and your clients 

through the loan process. This takes the guesswork out 

of Home Improvement loans, minimizes the uncertainty, 

and takes the hassle of getting bids, working with 

contractors and other time-consuming tasks off of your 

desk – leaving you more time to sell! 

When working with our HIP Team, not only will you 

have your own Project Manager, but you will also be 

given a Project Calendar. This timeline is specifically 

designed around your transaction, so you know where 

we are in the process, what steps are ahead and how 

long each step in the process should take. We have 

taken the hard work out of HIP! 

we’re here for you 

Myth #2 – HIP loans are too expensive 

Think HIP loans are too expensive? Think again! 

Out-of-pocket expenses on a HIP loan are little different 

than traditional financing. Your home buyer 

will pay for his/her appraisal out-of-pocket, and in 

some cases a HUD Consultant or a Project Inspector. 

The cost of a HUD Consultant or Project Inspector is 

little different than would be the cost of your typical 

Home Inspector. Other costs involved with HIP loans 

are financed into the mortgage, and are not paid outof-pocket 

prior to closing. With today’s low interest 

rates, the expense of financing these additional costs 

is minimal, especially in comparison to other types of 

financing such as credit cards, penalties for liquidating 

retirement funds, personal loans or short-time 

vendor financing. 

Myth #3 – HIP loans take forever to close! 

Do you remember the seller who opted to list their 

home in its current condition? The buyer invested only 

$9,614 in home repairs to raise the home’s value from 

$126,500 to $153,000 and closed their HIP loan in 

only 21 business days! 

In fact, Stonegate Mortgage currently averages 44 

business days from the date we receive an approved 

offer to the date your sale has closed. However, when 

all parties involved work in cooperation, we can reduce 

the average turn-around-time. The most common delay 

occurs when utilities are not turned on prior to the 

appraiser’s inspection. Resolving this issue alone will 

shave several days off of the loan processing. With the 

help of Stonegate’s HIP Department, long, drawn-out 

renovation loan closings can be thing of the past! 



What is the best way for you to work with your HIP Team? We can 

break it down into 8 easy steps! 

S tep 1. Find a buyer. HIP is great for young families planning to grow, 

or seniors needing increased accessibility or mobility options. HIP 

loans are suitable for anyone who wants or needs to fix up a home but 

doesn’t have the cash resources to self-fund their projects. 

S tep 2. Have a Stonegate Mortgage Advisor pre-approve your buyer. 

There’s nothing worse than writing a contract only to find out your 

home buyer doesn’t qualify for a home loan. Similarly, it can be disappointing 

to find the home a buyer wants will not meet the criteria 

for traditional financing, and their loan needs to be “flipped” to a 

renovation loan. Why chance working with a lender who doesn’t offer 

HIP? Get started on the right track from the beginning of the transaction! 

S teps 3 and 4. Find a house (step 3), and recommend HIP when appropriate 

(step 4). How do you know when to offer HIP as an option? 

HIP is appropriate for many different scenarios. It is perfect for aging 

homes or homes previously owned by an aging home owner who has 

deferred maintenance. HIP is a solid solution for “Handyman Specials” 

or foreclosed homes. Does your buyer shown an interest in 

energy-efficient improvements? Get HIP! Have you shown countless 

homes to a buyer who just can’t find that “perfect” home? Teach 

them how to Make a Home Their Own! 

S tep 5. Write an Offer. When writing an offer on a HIP loan, it is important 

to know which type of financing your buyer has applied for. 

Be sure to confirm this with your Stonegate Mortgage Advisor. 

For a Conventional HIP loan, the suggested wording for the offer 

is: “Buyer has applied for HomeStyle ® Renovation Loan financing. 

Final approval is contingent upon an acceptable after-improved value 

appraisal and loan approval.” 




For an FHA HIP loan, the suggested wording for the offer is: “Buyer 

has applied for Section 203(k) financing, and contract is contingent 

upon loan approval and buyer’s acceptance of additional required 

improvements as determined by HUD or the lender”. 


S tep 6. Send the accepted offer to your buyer’s Stonegate Mortgage 

Advisor. This is very important! The quicker we receive the offer, the 

faster we can begin the HIP Process. 

S tep 7. Wait for your buyer’s HIP loan to be approved. In the 

meantime, show more homes to new buyers, write new offers and 

SELL MORE HOMES! You can rest assured that your buyer’s HIP loan 

is being handled in a timely and professional manner, and you will 

receive emailed updates along the way outlining the progress of your 

buyer’s HIP loan. 

S tep 8. CLOSE! It really is that easy! The process of a HIP loan does 

not differ greatly from that of traditional financing from the Realtor’s 

perspective. At worst, you may have to provide access to the home 

for the contractor(s), and when applicable, the HUD Consultant or 

Project Inspector. Other than that, it’s pretty straight-forward. 

Are there other tools your HIP Team can provide you with to ensure 

your success with HIP loans? 

If you want to learn more about HIP, you may sign up to take our 

HIP Course, and become HIP certified! To do so, please email our 

Director, William Brown, for dates and times available. Once certified, 

you may use the HIP logo on your business cards and advertising to 

show prospective home buyers you are a HIP expert! 

Do you have a listing that could use repairs? Advertise HIP loans 

with our Yard Signs. Ask a Stonegate Mortgage Advisor to provide 

HIP flyers for your listing, and ask for information on how to plug 

in to our “Realtor Network”. 


TESTIMONIALS 

Below is a sampling of the incredible 

feedback HIP has received. What 

great things will you have to say? 

“HIP was a very easy process and 

gave us what we needed for several 

projects. Our home is now what we 

wanted it to be.” 

- John and Debbie Cripe – Demotte, 

IN 

“The best part of HIP was that it 

gave us the ability and freedom to do 

what we wanted to do.” 

- Amanda Bennett – Avon, IN 

“Everyone I dealt with at Stonegate 

was incredibly helpful and eager to 

answer all of the questions I had. 

This team went beyond their normal 

duties to get my loan closed on an 

expedited schedule in order to meet 

my needs. I have dealt with many 

people, regardless of their profession, 

that were as easy to work with 

as these folks. Great and much 

appreciated job!” 

- J. McCroskey – Bristol, TN 


A CHECKLIST FOR SUCCESS – 

YOUR GUIDE TO A SUCCESSFUL HIP PROJECT! 

The HIP Team wants your experience to be as easy and painless as possible. Our goal is to provide you with the 

help you need to get your buyers or sellers the loan information that’s best for them, and get them into their new 

home as quickly as possible. 

To assist you in providing your clients with all of their options, we have created this short Checklist for Success. 

This will help guide you through the process of working with Stonegate’s HIP Department. 

Contact a Stonegate Mortgage Advisor to assist you 

in educating your client about the various Home 

Improvement loans and opportunities available 

through HIP. You can reach a Mortgage Advisor 

by calling (866) 925-5771. 

Recognize distressed properties that would be 

good candidates for repairs, and recommend HIP 

during showings. 

Provide your SMC Mortgage Advisor with a copy of 

the MLS listing. This may help us pinpoint homes 

in need of repair early in the home buying process, 

preventing the need to switch mortgage products mid- 

way through the loan process and delays in closing. 

When showing an outdated home be sure to present 

HIP as an option. This will provide the encouragement 

your client may need to imagine converting a fixer- 

upper into a home of their own. 

Research the market to provide relevant advice for 

the home buyer’s offer. 

you are the key! 

Deliver the accepted offer to your SMC Mortgage 

Advisor as soon as it is executed. This will get the ball 

rolling and your client on their way to homeownership! 

Provide any existing HUD documents for HUD 

REOs to your assigned HIP Project Manager as 

soon as possible. These documents include: 

• Original HUD appraisal 

• HUD Property Condition Report 

• Lead-based paint assessment 

• Lead-based paint remediation agreement 

Work on another deal while your HIP Project 

Manager gets the construction phase of the 

rehab loan completed! 

Coordinate the closing schedule with your SMC 

Mortgage Advisor. 

Close the loan and start all over again with your 

next client! 


THE WHO’S WHO OF STONEGATE’S HIP TEAM 

Stonegate Mortgage has a dedicated team of professionals that will help you work through any questions you 

may have about home improvement mortgage products and how these loan types affect you as the Realtor ® 

. 

MEET OUR TEAM 

William Brown 

HIP Product Support Manager 

Ph. (317) 663-5144 

wbrown@stonegatemtg.com 

NMLS #293880 

Shelly Hall 

Project Manager 

Ph. (317) 663-5230 

shall@stonegatemtg.com 

Patti Henry 

HIP Ops Manager 

Ph. (317) 663-5393 

phenry@stonegatemtg.com 

Amy Parrish 

Escrow Administrator- Contractor Specialist 

Ph. (317) 663-5413 

aparrish@stonegatemtg.com 

Christine Plantenga 

Escrow Administrator- Draw Specialist 

Ph. (317) 663-5226 

cplantenga@stonegatemtg.com 

Rini Ramnarain 

Project Manager 

Ph. (317) 663-5156 

rramnarain@stonegatemtg.com 

our team, our reputation 

Tasha Stanfield 

Project Coordinator, Home Improvement Program 

Ph. (317) 663-5414 

tstanfield@stonegatemtg.com 

NMLS #591226 

CORPORATE OFFICE 

Stonegate Mortgage Corporation 

9190 Priority Way West Dr., Suite 300 

Indianapolis, IN 46240 

Ph. (317) 663-5100 

Toll Free (855) 396-0228 

eFax (800) 496-0849 

www.stonegatemtg.com/hip 

hipbid@stonegatemtg.com 

MEET A FEW OF OUR FANS 


855 396 0228 stonegatemtg.com/hip

Stonegate Realtor Book

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